United Credit Ltd

₹ 32.5 4.47%

21 Nov - close price

About

Incorporated in 1991, United Credit Ltd is in the business of Financing and Renting.^[1]

Key Points

Business Overview:^[1]^[2]^[3]
UCL is registered as the non-systematically important non deposit taking non-banking financial company. It earns its revenue from interest on loan and rent. The principal business of the company is hire-purchase, leasing, and consumer financing, real estate investments, equity trading, and capital market operations.
The company has already started exploring possibilities in other areas like syndication corporate banking real estate and hotel
industries so that the range of activities
are expanded.

Website BSE

Market Cap ₹ 17.3 Cr.
Current Price ₹ 32.5
High / Low ₹ 43.0 / 25.6
Stock P/E 21.6
Book Value ₹ 57.2
Dividend Yield 0.00 %
ROCE 4.36 %
ROE 3.39 %
Face Value ₹ 10.0

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Pros

Company is almost debt free.
Stock is trading at 0.57 times its book value

Cons

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of 5.18% over past five years.
Company has a low return on equity of 3.97% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	0.71	0.73	0.75	0.77	0.82	0.84	0.96	0.87	0.88	0.89	0.81	0.74	0.76
	0.42	0.44	0.49	0.50	0.48	0.53	0.47	0.60	0.50	0.52	0.77	0.46	0.46
Operating Profit	0.29	0.29	0.26	0.27	0.34	0.31	0.49	0.27	0.38	0.37	0.04	0.28	0.30
OPM %	40.85%	39.73%	34.67%	35.06%	41.46%	36.90%	51.04%	31.03%	43.18%	41.57%	4.94%	37.84%	39.47%
	0.00	-0.01	0.00	0.04	0.04	0.62	0.03	0.12	0.15	0.06	-0.02	0.06	0.02
Interest	0.00	0.04	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation	0.01	0.02	0.02	0.02	0.02	0.02	0.02	0.01	0.01	0.02	0.03	0.02	0.03
Profit before tax	0.28	0.22	0.24	0.29	0.36	0.91	0.50	0.38	0.52	0.41	-0.01	0.32	0.29
Tax %	28.57%	-9.09%	29.17%	24.14%	19.44%	23.08%	18.00%	31.58%	17.31%	34.15%	-600.00%	21.88%	24.14%
	0.20	0.24	0.17	0.22	0.29	0.70	0.42	0.26	0.43	0.27	0.05	0.25	0.23
EPS in Rs	0.38	0.45	0.32	0.41	0.54	1.31	0.79	0.49	0.81	0.51	0.09	0.47	0.43
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	1.89	1.95	1.77	2.09	2.47	2.64	2.89	2.71	2.76	2.92	3.58	3.72	3.20
	1.06	1.10	2.20	1.36	1.38	4.28	1.74	1.56	1.56	1.99	1.96	2.36	2.21
Operating Profit	0.83	0.85	-0.43	0.73	1.09	-1.64	1.15	1.15	1.20	0.93	1.62	1.36	0.99
OPM %	43.92%	43.59%	-24.29%	34.93%	44.13%	-62.12%	39.79%	42.44%	43.48%	31.85%	45.25%	36.56%	30.94%
	0.07	0.03	0.81	0.03	0.06	5.28	0.07	0.07	0.10	0.00	0.53	0.02	0.12
Interest	0.02	0.00	0.02	0.02	0.02	0.00	0.00	0.00	0.00	0.01	0.01	0.01	0.00
Depreciation	0.04	0.06	0.09	0.08	0.06	0.04	0.03	0.03	0.02	0.06	0.07	0.07	0.10
Profit before tax	0.84	0.82	0.27	0.66	1.07	3.60	1.19	1.19	1.28	0.86	2.07	1.30	1.01
Tax %	32.14%	36.59%	77.78%	-18.18%	38.32%	41.67%	23.53%	26.89%	40.62%	17.44%	21.26%	22.31%
	0.58	0.52	0.06	0.78	0.66	2.09	0.90	0.87	0.75	0.72	1.64	1.01	0.80
EPS in Rs	1.09	0.98	0.11	1.46	1.24	3.92	1.69	1.63	1.41	1.35	3.08	1.90	1.50
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	18.39%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	7%
5 Years:	5%
3 Years:	10%
TTM:	-10%

Compounded Profit Growth
10 Years:	7%
5 Years:	2%
3 Years:	10%
TTM:	-56%

Stock Price CAGR
10 Years:	4%
5 Years:	29%
3 Years:	45%
1 Year:	4%

Return on Equity
10 Years:	4%
5 Years:	4%
3 Years:	4%
Last Year:	3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49	5.49
Reserves	14.95	15.46	15.52	16.30	16.96	19.04	19.49	20.37	21.14	21.85	23.49	24.49	24.97
	0.00	0.13	0.17	0.10	0.02	0.00	0.00	0.00	0.00	0.13	0.08	0.15	0.34
	1.88	1.83	1.78	2.16	2.05	1.79	1.85	0.97	0.93	1.23	0.81	0.48	0.41
Total Liabilities	22.32	22.91	22.96	24.05	24.52	26.32	26.83	26.83	27.56	28.70	29.87	30.61	31.21
	0.13	0.21	0.24	0.18	0.14	0.10	0.09	0.06	0.05	0.22	0.18	0.29	0.49
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.24	0.23	0.00	0.00	0.00	0.00	0.00	0.00	0.45	0.32	0.43	0.48	0.29
	21.95	22.47	22.72	23.87	24.38	26.22	26.74	26.77	27.06	28.16	29.26	29.84	30.43
Total Assets	22.32	22.91	22.96	24.05	24.52	26.32	26.83	26.83	27.56	28.70	29.87	30.61	31.21

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	0.94	0.04	0.07	0.31	-0.14	-2.48	0.30	0.94	0.41	0.31	0.53	-0.44
	-0.01	-0.15	-0.04	-0.01	0.03	2.61	-0.02	0.00	-0.44	-0.13	0.00	0.04
	-0.93	0.11	0.04	-0.08	-0.08	-0.02	-0.45	-0.87	0.00	0.12	-0.05	0.06
Net Cash Flow	0.00	0.00	0.08	0.22	-0.19	0.12	-0.16	0.06	-0.03	0.30	0.47	-0.34

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0.00	0.00	2.06	3.49	7.39	17.97	37.89	45.79	59.51	41.25	32.63	5.89
Inventory Days
Days Payable
Cash Conversion Cycle	0.00	0.00	2.06	3.49	7.39	17.97	37.89	45.79	59.51	41.25	32.63	5.89
Working Capital Days	1,332.54	1,428.18	1,649.72	1,505.41	1,467.39	1,306.53	1,168.25	1,332.05	1,281.47	1,158.75	944.11	911.52
ROCE %	4.08%	3.90%	1.37%	3.16%	4.91%	15.28%	4.81%	4.68%	4.88%	3.22%	7.36%	4.36%

Shareholding Pattern

Numbers in percentages

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
	57.85%	57.85%	57.85%	57.85%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%	57.31%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%
	41.61%	41.61%	41.62%	41.62%	42.15%	42.16%	42.16%	42.15%	42.16%	42.15%	42.15%	42.15%
No. of Shareholders	2,208	2,230	2,247	2,281	2,372	2,460	2,626	2,516	2,608	2,657	2,638	2,625

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
	57.85%	57.85%	57.85%	57.85%	57.85%	57.85%	57.85%	57.31%	57.31%	57.31%
	0.07%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%	0.53%
	41.55%	41.62%	41.62%	41.62%	41.62%	41.62%	41.61%	42.16%	42.15%	42.15%
No. of Shareholders	2,559	2,069	2,088	2,142	2,186	2,249	2,230	2,460	2,657	2,625

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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United Credit Ltd

United Credit Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Shareholding Pattern

Documents

Announcements

Annual reports